What to know about Facebook Messenger's payment system | finder.com
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What to know about Facebook Messenger Payments

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Securely transfer money to friends and family online.

Facebook Messenger lets you easily transfer money to friends and family while keeping your card details safe — as long as you know who you’re talking to.

How do I request and send money through Facebook?

1. Create or sign into your Facebook account. You’ll need to be active with Facebook to access Facebook Messenger and begin sending money to your contacts.

2. Add a payment method. From the “Settings” menu, navigate to “Payments” and click on “Account Settings.” From there you can add a US bank-issued debit card or link your PayPal account. PayPal payments are only available when sending on the Messenger mobile app.

Facebook payments setup

3. Start your transfer. Create a new message and click the dollar sign at lower right. A smaller pop-up window will ask you to input the dollar amount you’re paying or requesting and what the payment is for. Choose which payment method you want to use and then click “Pay.” You can transfer money between other Facebook users only.

step one facebook money transfer

step two facebook money transfer

What happens when someone sends or requests money from me?

1. You receive a message on Facebook. Notification of your request or payment will appear in Messenger just like any other message.

2. Accept or deny the payment request. If you accept the request, the amount will be withdrawn from your linked account. If you deny it, the person who requested the money will receive notification.

step five facebook money transfer request details

3. Accept or deny the payment. If you’ve received a payment, you can accept it for immediate deposit to your linked account. You can also deny the payment if you don’t recognize the sender or are otherwise wary.

Is Facebook’s payment system safe?

Facebook encrypts payments and user information to safeguard your money and transaction details. It also requires you to confirm your identity at times, either with personal information or PINs. Facebook’s payment system hasn’t suffered a single security breach since its launch in March 2015.

Like other services, Facebook’s payment system is still susceptible to scams. To use Facebook’s payment system safely, avoid clicking on links from people you do not know or pay people you have not met in person.

Tips to keep your finances safe on Facebook

If you decide to eventually use Facebook for managing your money, consider the following tips.

  • Password. A password helps to keep your financial information secure. After your first successful transaction, you’ll see a prompt asking if you’d like to use your password for future transactions. You should definitely do this to stay on the safe side, and of course, always keep your password secure and secret.
  • Scammers and hackers. Don’t let this new functionality make the work of scammers and hackers any easier. Alarm bells should instantly sound if a friend or friend-of-friend requests money out of the blue, without prior discussion. That person’s Messenger account could have been hacked, so make sure you’re communicating with the right person by calling or video-chatting with them before you make a payment.
  • Personal details. Remember to never share your personal details with people you don’t know. When you want to exchange personal information with a trusted friend, it would be smart to send it using a different app or platform so that your information can’t be easily compromised by any single app or website.

Ultimately, Facebook Pay could make life simpler when it comes to things like splitting the dinner bill or repaying a friend for a movie ticket. It’s quick and easy and, best of all, free.

Pros

  • Safety backed by Facebook. The social networking giant encrypts every message sent through its messaging service and uses a second layer of encryption for money transfers. If you have a newer iPhone or iPad, you can use your fingerprint to complete your transaction.
  • Easy payments through a familiar system. If you already use Facebook Messenger, sending money is a natural extension of something you already do.

Cons

  • Up to five days for receipt. Although money is transferred right away, you may have to wait a few days for your bank to approve the transaction.
  • Businesses can’t use it. Facebook supports personal transactions between family and friends only.
  • Only available in select countries. As of this writing, you can only send or receive payments through Facebook if you live in the United States, the United Kingdom or France.

Bottom Line

There are many money transfer apps out there that can help you send funds to a friend or family member in minutes. Facebook’s Messenger makes it easy to send using a social media website that you might already spend a lot of time on, which makes it convenient. If you plan to send a lot of money, send money overseas, or make regular payments, however, we suggest you compare more money transfer options to find the right one for you.

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GBP 1,000 1 - 2 days USD 0.00 0.871 EUR 4,356 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
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177 Responses

  1. Default Gravatar
    AntoniaFebruary 25, 2019

    I send money to a friend through Messenger and they took the money from my bank account but my friend haven’t received that money in her account. What should I do? Where is my money now?

    • finder Customer Care
      JoshuaFebruary 27, 2019Staff

      Hi Antonia,

      Thanks for getting in touch with Finder. I’m sorry to hear about the trouble you are having.

      There could be a few reasons why this happened. Typically, it takes up to five days for your recipient to receive the money. You might wait for five business days and after that and your friend hasn’t received the money, you might want to directly get in touch with your bank or PayPal support. If all else fail, you can then directly get in touch with Facebook Messenger’s customer support.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    JacquelynnFebruary 14, 2019

    My son sent me money through Facebook. My bank denied it. It was supposed to be returned to my sons account on February 14, 2019.

    Thank you.

    • finder Customer Care
      JeniFebruary 19, 2019Staff

      Hi Jacquelynn,

      Thank you for getting in touch with finder.

      Sorry to hear about the denied payment. Please note that any canceled payments sent in Messenger will be refunded to the sender’s debit card, typically within 3-5 business days. If your son hasn’t received the said money, please ask him to get in touch with his bank as they can check if there’s any pending amount coming in to his account.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  3. Default Gravatar
    MiriamFebruary 10, 2019

    I paid for a vendor event through FB and the space promised was grossly undersized and misrepresented. Can payments be disputed due to misrepresentation?

    • finder Customer Care
      JoshuaFebruary 10, 2019Staff

      Hi Miriam,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Facebook does not mediate between two Facebook Messenger users if there are problems in your transaction. What you can do is speak to your seller and ask him/her to give you a refund or decline the payment.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  4. Default Gravatar
    ChrisJanuary 12, 2019

    Can I immediately get cash off my palpal card?

    • finder Customer Care
      JhezelynJanuary 16, 2019Staff

      Hello Chris,

      Thank you for your comment.

      Yes, you can withdraw cash at ATMs around the world where Mastercard is accepted (fee may apply) and if your PayPal Prepaid Card is linked with your PayPal Account, you can make online payments for your bills, rent, and other necessities. Fees may apply.

      Regards,
      Jhezelyn

  5. Default Gravatar
    PerdoJanuary 4, 2019

    Can I Transfer funds From one bank to my other bank same person

    • finder Customer Care
      ZakJanuary 5, 2019Staff

      Hi Perdo,

      Transferring money between separate banks is fairly common and can usually be done online.

      1) First, you’ll want to log into one of your existing banks online banking portal.
      2) Once you’ve logged on, look for an option that allows you to “add an external account.”
      3) After selecting that option, provide your second bank’s account information, and verify that you are the owner.
      4) Now you should be able to send and receive the funds.

      And if you need any further assistance please check out our guide on bank to bank transfers. I hope this helps!

      Best regards,
      Zak

  6. Default Gravatar
    LoraDecember 10, 2018

    Saying default for receiving money what does that mean never had issues before

    • finder Customer Care
      ValDecember 13, 2018Staff

      Hi Lora,

      Thank you for leaving a message.

      As you know there are many money transfer apps out there that can help you send funds to a friend or family member in minutes. Facebook’s Messenger is one of them. It gives you an option to make Facebook messenger a default way of sending funds out. Hope this helps!

      Regards,
      Val

  7. Default Gravatar
    JessicaDecember 7, 2018

    Why can’t I receive payments

    • finder Customer Care
      ValDecember 12, 2018Staff

      Hi Jessica,

      Thanks for leaving a question.

      Once you receive money through Facebook Messenger, there will be a message that will appear on the chat window from the Sender. The message is for you to accept or decline the money being sent. You may also require a bank statement for the linked debit card to see if the money has been credited to your account. Please make sure that the sender has sent payments already.

      Please also check and make sure that all personal and financial information are correct and verified.

      Thanks!
      Val

  8. Default Gravatar
    JimOctober 30, 2018

    Can you use a prepaid card to receive money on facebook messenger?

    • Default Gravatar
      joelmarceloOctober 31, 2018

      Hi Jim,

      Thanks for leaving a question on finder.

      You can only send or receive money in Messenger using a debit card issued by a US bank. Credit cards, prepaid bank cards and PayPal aren’t supported right now.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  9. Default Gravatar
    LisaOctober 19, 2018

    What if I send the money though messenger and I don’t receive the product I paid for?

    • Default Gravatar
      joelmarceloOctober 19, 2018

      Hi Lisa,

      Thanks for leaving a question on finder.

      If you do not receive the item you paid for, you can instead request for a refund:

      1. Click account settings in the top right of your screen and select Settings.
      2. Click Payments in the left column.
      3. Click the item you want a refund for.
      4. Click Contact Seller.
      5. Fill out the form and click Send.

      Facebook’s payment system is still susceptible to scams. To use Facebook’s payment system safely, avoid clicking on links from people you do not know or pay people you have not met in person or do not fully trust. Make sure you are only dealing with legit sellers with good online reputation.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  10. Default Gravatar
    RobOctober 16, 2018

    I am selling an gem to someone I haven’t met, and he wants to use Facebook to transfer funds, I have sent him several pictures and he wants the item.. but I don’t want to send him the item and have him get it and have him dispute he never received the item. Should I just have him send a money order?

    • finder Customer Care
      JoshuaOctober 21, 2018Staff

      Hi Rob,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      When doing business online, it is kind of difficult to establish trust, especially when dealing with strangers. For this reason, it would be a good idea to have some kind of a guarantee that you will send the gem as well as your customer will send you the money – something that is difficult to do with Facebook Messenger’s payment or any other online money transfer services.

      For this reason, I would advice that you would be cautious. Even asking for a money order won’t be a guarantee if the customer will agree with your condition. So, it would depend on both of you and hope you agree with something that would lead to a win-win situation.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

US International Money Transfers Offers

Important Information*
XE Money Transfer

Transfer up to $500,000 with no minimums and no fees.

WorldRemit International Money Transfers

Use promo code FINDER to send your first transfer with no fee.
Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

TransferWise

Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.

CurrencyTransfer

Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.

Go to site